{"id":5356,"date":"2019-07-26T13:11:53","date_gmt":"2019-07-26T13:11:53","guid":{"rendered":"https:\/\/digi-entrepreneur.com\/?post_type=startup&p=5356"},"modified":"2019-07-26T13:11:53","modified_gmt":"2019-07-26T13:11:53","slug":"cowrywise","status":"publish","type":"startup","link":"https:\/\/startup-agenda.com\/annuaire\/startup\/cowrywise\/","title":{"rendered":"CowryWise"},"content":{"rendered":"

CowryWise est une entreprise nig\u00e9riane de fintech qui rend accessible \u00e0 tous de nombreux services financiers tels que l\u2019\u00e9pargne<\/p>\n

Fond\u00e9e en janvier 2017 par deux amis d\u2019universit\u00e9, R.Ahmed et E.Popoola, CowryWise offre l\u2019opportunit\u00e9 \u00e0 toute personne ayant un revenu minimal d\u2019\u00e9pargner son argent en toute s\u00e9curit\u00e9 via une plateforme en ligne qui investit dans des obligations d\u2019Etat not\u00e9es A. Les marges sur ces produits permettent \u00e0 la fois d\u2019assurer la s\u00e9curit\u00e9 de l\u2019argent investi tout en offrant un retour sur investissement int\u00e9ressant pour les clients de CowryWise.<\/p>\n

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PRINCIPE ET GENE\u0300SE DE L’OFFRE<\/strong><\/p>\n

Dans les pays e\u0301mergents, il y a peu de possibilite\u0301s pour la classe moyenne d\u2019e\u0301pargner son argent en toute se\u0301curite\u0301 bien que cette dernie\u0300re soit en forte croissance comme au Nige\u0301ria. Face a\u0300 ce constat, Razaq Ahmed, ancien financier, et Edward Popoola, dans l\u2019informatique, ont de\u0301cide\u0301 de lancer CowryWise, une plateforme qui permettra aux clients d\u2019e\u0301pargner leur argent en toute se\u0301curite\u0301. Cet argent est investi dans des obligations d\u2019Etat note\u0301es A.<\/p>\n

Pour Ahmed et Popoola, la de\u0301cision de lancer CowryWise e\u0301tait un moyen d\u2019offrir la possibilite\u0301 d\u2019investir dans des produits financiers tre\u0300s su\u0302rs pour n\u2019importe quel citoyen nige\u0301rian. Effectivement, les citoyens ont souvent du mal a\u0300 acce\u0301der au syste\u0300me financier et a\u0300 pouvoir l\u2019utiliser. Les deux entrepreneurs ont commence\u0301 a\u0300 de\u0301velopper ce syste\u0300me en janvier 2017 et l\u2019ont teste\u0301 en fe\u0301vrier et mars 2017 aupre\u0300s de leurs proches.<\/p>\n<\/div>\n

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PARCOURS CLIENT FONCTIONNEMENT<\/strong><\/p>\n

Le client cre\u0301e facilement son compte avec son adresse mail et son nume\u0301ro de te\u0301le\u0301phone. Puis, gra\u0302ce a\u0300 une carte de cre\u0301dit, l\u2019argent du compte bancaire est automatiquement verse\u0301 sur le compte CowryWise. Ensuite, l\u2019argent est en se\u0301curite\u0301 et peut e\u0302tre investi, si le client le souhaite, dans les obligations d\u2019Etat. Ainsi, l\u2019argent peut rapporter de l\u2019argent a\u0300 son proprie\u0301taire, jusqu\u2019a\u0300 2,5 fois ce qu\u2019une banque classique peut rapporter. De plus, le client peut retirer son argent quand il le souhaite sans aucune pe\u0301nalite\u0301.<\/p>\n<\/div>\n

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EN QUOI EST-CE UNE INNOVATION<\/strong><\/p>\n

C\u2019est un service innovant car il permet a\u0300 un individu d\u2019e\u0301pargner ou d\u2019investir dans des obligations tre\u0300s su\u0302res, et donc de gagner de l\u2019argent. De plus, CowryWise a encore beaucoup augmente\u0301 sa se\u0301curite\u0301 depuis juin 2017 en passant un contrat avec Meristem Trustees qui est maintenant responsable de l\u2019assurance de tous les investissements faits par les clients.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

CowryWise est une entreprise nig\u00e9riane de fintech qui rend accessible \u00e0 tous de nombreux services financiers tels que l\u2019\u00e9pargne Fond\u00e9e en janvier 2017 par deux amis d\u2019universit\u00e9, R.Ahmed et E.Popoola, […]<\/p>\n","protected":false},"author":1,"featured_media":5364,"comment_status":"open","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"jetpack_post_was_ever_published":false},"startup_category":[],"class_list":["post-5356","startup","type-startup","status-publish","has-post-thumbnail","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5356","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup"}],"about":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/types\/startup"}],"author":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/comments?post=5356"}],"version-history":[{"count":0,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5356\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media\/5364"}],"wp:attachment":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media?parent=5356"}],"wp:term":[{"taxonomy":"startup_category","embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup_category?post=5356"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}